Moderate

Aim

To earn higher investment returns than cash while maintaining a conservative approach
so the risk of capital losses in any one year remains low.

Objective

To earn at least the Consumer Price Index (CPI) plus 2% per annum over a rolling 10 year period, net of tax and fees.

Strategy

Invest approximately:

• One half in shares/target return assets; and

• One half in cash/fixed interest.
  

Strategic Asset allocation

Australian Shares 0% - 30%

International Shares 0% - 30%

Target Return Assets 0% - 45%

Fixed Interest 10% - 50%

Cash 10% - 50%

Suitability

For members who:

• have a short to medium investment time frame (0-3 years);

• do not like risk; and

• are willing to accept lower returns for protection from short-term investment losses.
  

Minimum Investment time frame

​If you choose this option be prepared to stay invested for 1 to 3 years before it meets its objectives.

Expected frequency of a negative annual return

To have no more than three negative annual returns in any 20 year period (on average).

Annual Returns